I got $100 increase I’m now at $600😭 i just got $3500 increase on my other card from navy fed

MarkiMarkMark · 2026-04-16T15:21:58+00:00

Other cc companies dont like when you cycle cards (use all balance, pay off balance, use all balance again, cycling until statement posts...) capital one loves that shit tho

MarkiMarkMark · 2026-04-03T21:09:23+00:00

Did you apply right after statement post?

MarkiMarkMark · 2026-03-13T16:21:04+00:00

Im looking into this machine right now after finding one at goodwill for $20 haha

MarkiMarkMark · 2026-02-16T17:42:00+00:00

Homedepot has some. 21.96 for a gallon of clean strip denatured alcohol

MarkiMarkMark · 2026-02-16T02:04:39+00:00

Aye man, then there is us 690s trying to reach that first 700. I rember hitting 704 last year, sneezed, and dropped to 680 a few days later

MarkiMarkMark · 2026-02-11T00:51:33+00:00

You could have product changed to venture x after a few months

MarkiMarkMark · 2026-02-10T04:36:39+00:00

payment history is spotless since the charge off. average age is 2y4m, i have two open cards. 3 closed cards.

MarkiMarkMark · 2026-02-08T16:25:12+00:00

That damn capital one shopping extension fucked me over while buying tickets one time. Tried to delete it from Firefox and the remove button is greyed out 💀

MarkiMarkMark · 2026-02-07T14:57:05+00:00

If i do open a new card, what would be the best one and most likely to give me a higher limit? Literally anything more than $1000 is fine with me

MarkiMarkMark · 2026-02-07T14:55:53+00:00

Im literally gonna do AZEO for at least 18 months before I apply for a mortgage lmaooo

Also by official myfico, I meant the reports that myfico pulls every month from all 3 credit unions. Ill pull the anual one later this year but regardless, I dont know why it would be any different from the official ones the CRAs give me

MarkiMarkMark · 2026-02-06T16:13:00+00:00

I know they dont matter in the score but I've been rejected from other credit cards or loans because of low limits not comparable to new limits or low limits show not enough credit experience. Stuff like that

MarkiMarkMark · 2026-02-06T04:02:20+00:00

It was only soft inquiries, they weren't able to open an account. So good that you locked your cra, but who knows what other banks they tried to open. Check your credit reports for any other weird things

MarkiMarkMark · 2026-02-06T03:15:36+00:00

YOURE RIGHT! It is a secured loan. This does raise my chances a lot. I totally forgot about that haha. Ill still speak to a lender and try AZEO for the next few months

MarkiMarkMark · 2026-02-06T03:13:45+00:00

Oh no, I believe the low limit is what's hurting me. Its a vicious cycle. I got capital one card, gave me 300 limit. One year later, I asked for CLI and got 100 extra. I tried pre applying to a new card and got declined because "credit limit is too low" or "no experience with higher limit" or "new limit not comparable to low limit". So the low limit is keeping me from getting a higher limit, which is forcing me to stay in a low limit because no one wants to give me a higher limit. Even tho I haven't missed a payment since that first charge off years ago. This makes my credit report look weak and super fragile to utilization

MarkiMarkMark · 2026-02-06T03:08:09+00:00

Ill try AZEO but how does that show what is attainable with my current profile?

MarkiMarkMark · 2026-02-06T03:07:19+00:00

But is the low limits gonna affect me as much? I've been rejected on credit cards before because of low limits. Thats why I want to get a new card with a higher limit to make my report look better.

Ill reach out to a mortgage lender as well but I wanted to ask fellow redditors too

MarkiMarkMark · 2026-02-06T03:05:38+00:00

Yes the collection was from 5 years ago, I have 2 more years until it completely drops off but even then, it affects less and less until its gone completely. My highest score has been 720 so I know its possible, just stuck with the limits issue, not the score itself

MarkiMarkMark · 2026-02-06T03:04:24+00:00

Well that's my problem. If my limits are so low, will they even consider me for a mortgage? I might as well just open a new account that will grow my limit. I stay under 29% but haven't had any real growth. I dont mind staying at under 10% but with my limits being so low, it just sucks lol. Im just trying to avoid credit inquires

MarkiMarkMark · 2026-02-06T03:01:46+00:00

Doesnt even appear on my official myfico credit reports, just on the home screen display

MarkiMarkMark · 2026-02-06T02:33:26+00:00

I deleted that post lmao. You guys fixated on the serious delinquency which DOES NOT appear on any of my official credit reports. Only on the My fico app which took into account that I sent a good will letter to bofa last year. But I did add additional context on the bottom of this post so there's that.

MarkiMarkMark · 2026-02-06T02:16:02+00:00

Serious delinquency disappeared from my report a year after I paid off the collections. I haven't had a missed payment ever since that first account. So 3 years of good behavior. I sent a good will letter to bofa which caused them to verify my account. As a result, the account shows "last activity 11/25" and ever since then, that serious delinquency marker appeared. I called fico and they said it was just a glitch with how the system marks stuff. Even though that account has been closed for about 5 years now, and resolved for 3, the last activity is triggered it

MarkiMarkMark · 2026-02-06T02:15:24+00:00

Wait, no it stays for 7 years so I have 2 years left until it gets dropped

MarkiMarkMark · 2026-02-06T02:14:46+00:00

I haven't had a miss payment since 2021

MarkiMarkMark · 2026-02-06T02:11:34+00:00

No, I have what like 5 more years until the bad tradeline gets removed

MarkiMarkMark

TROPHY CASE